Glass Coverage

What Is Auto Glass Insurance Coverage?

Full auto glass coverage pays for the cost to repair or replace auto glass loss with no deductible. Full auto glass insurance coverage is an option you can add to your auto insurance policy and can be purchased for an additional premium. Depending on the state you live in, this can be included in your comprehensive coverage or is available for purchase as an add-on. The availability of coverage varies by state.

Insurance Coverage availability varies by state.

How Full Glass Coverage Works

The advantage of full glass coverage is that it comes with no deductible.

Let’s say your car gets broken into overnight and a window is smashed. Luckily nothing is stolen, but you’re still left with a broken window ... and the estimate to repair is $600.

If you have comprehensive insurance but not auto glass coverage, you will have to pay your deductible before your auto insurance company picks up the rest of the tab. So if you have a $500 deductible, you’d have to pay $500, and your auto insurance company would pay the remaining difference of $100 to cover the repair work.

But if you have full glass coverage, your auto insurance company will cover the expense of repairing the window in full, with no out-of-pocket costs to you.

Is Auto Glass Covered by Insurance?

Yes, auto glass is covered under your comprehensive coverage. Full glass coverage may be added in some states to allow for glass coverage without a deductible. In some cases, such as with windshield damage, the comprehensive deductible may be waived if the glass is repaired instead of replaced.

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The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.